Home > De Witt State Bank > Performance and Condition Ratios
De Witt State Bank, Performance and Condition Ratios
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4066% | 3,007 |
| Cost of funding earning assets | 1.6829% | 2,471 |
| Net interest margin | 3.7238% | 4,128 |
| Noninterest income to average assets | -0.8146% | 7,887 |
| Noninterest expense to average assets | 3.0703% | 3,389 |
| Loan and lease loss provision to assets | 2.0887% | 527 |
| Net operating income to assets | -2.1618% | 7,495 |
| Return on assets (ROA) | -2.1618% | 7,500 |
| Pretax return on assets | -2.7153% | 7,550 |
| Return on Equity (ROE) | -30.0544% | 7,571 |
| Retained earnings to average equity (ytd only) | -30.0544% | 7,542 |
| Net charge-offs to loans | 1.4375% | 1,203 |
| Credit loss provision to net charge-offs | 219.7802% | 1,711 |
| Earnings coverage of net charge-offs (x) | -0.6593% | 5,329 |
| Efficiency ratio | 125.6410% | 383 |
| Assets per employee ($millions) | 2.7792% | 6,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8679% | 2,530 |
| Loan loss allowance to noncurrent loans | 238.4615% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 4.5825% | 1,467 |
| Noncurrent loans to loans | 0.7833% | 5,755 |
| Net loans and leases to total assets | 58.6008% | 5,335 |
| Net loans and leases to deposits | 66.1109% | 5,809 |
| Net loans and leases to core deposits | 67.0835% | 6,199 |
| Total domestic deposits to total assets | 88.6402% | 1,711 |
| Equity capital to assets | 6.8133% | 7,447 |
| Core capital (leverage) ratio | 6.0319% | 7,574 |
| Tier 1 risk-based capital ratio | 8.9510% | 7,490 |
| Total risk-based capital ratio | 10.2081% | 7,503 |
| Memoranda: | ||
| Average total assets | $38,302,000 | 7,144 |
| Average earning assets | $33,514,500 | 7,184 |
| Average equity | $2,755,000 | 7,566 |
| Average total loans | $25,321,500 | 6,862 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4066% | 4,673 |
| Cost of funding earning assets | 2.0919% | 2,505 |
| Net interest margin | 3.3147% | 5,681 |
| Noninterest income to average assets | 0.9142% | 1,890 |
| Noninterest expense to average assets | 3.0345% | 4,013 |
| Loan and lease loss provision to assets | 1.6967% | 1,343 |
| Net operating income to assets | -0.3874% | 6,062 |
| Return on assets (ROA) | -0.3874% | 6,051 |
| Pretax return on assets | -0.8419% | 6,301 |
| Return on Equity (ROE) | -5.2156% | 6,231 |
| Retained earnings to average equity (ytd only) | -5.2156% | 6,051 |
| Net charge-offs to loans | 2.8814% | 756 |
| Credit loss provision to net charge-offs | 83.6943% | 6,201 |
| Earnings coverage of net charge-offs (x) | 0.4217% | 5,678 |
| Efficiency ratio | 78.0212% | 3,190 |
| Assets per employee ($millions) | 2.6925% | 6,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 5,461 |
| Loan loss allowance to noncurrent loans | 37.8063% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 5.2315% | 1,138 |
| Noncurrent loans to loans | 3.1268% | 2,452 |
| Net loans and leases to total assets | 71.8504% | 2,788 |
| Net loans and leases to deposits | 82.5329% | 3,540 |
| Net loans and leases to core deposits | 95.8726% | 4,480 |
| Total domestic deposits to total assets | 87.0566% | 2,468 |
| Equity capital to assets | 7.5846% | 6,957 |
| Core capital (leverage) ratio | 6.6292% | 7,435 |
| Tier 1 risk-based capital ratio | 8.8091% | 7,535 |
| Total risk-based capital ratio | 9.9413% | 7,588 |
| Memoranda: | ||
| Average total assets | $38,721,600 | 7,144 |
| Average earning assets | $34,753,800 | 7,147 |
| Average equity | $2,876,000 | 7,622 |
| Average total loans | $27,244,000 | 6,787 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3144% | 5,350 |
| Cost of funding earning assets | 2.1644% | 2,580 |
| Net interest margin | 3.1499% | 6,177 |
| Noninterest income to average assets | 0.8312% | 2,284 |
| Noninterest expense to average assets | 2.8938% | 4,478 |
| Loan and lease loss provision to assets | 1.8711% | 984 |
| Net operating income to assets | -0.8449% | 6,723 |
| Return on assets (ROA) | -0.8449% | 6,719 |
| Pretax return on assets | -1.0912% | 6,751 |
| Return on Equity (ROE) | -11.4341% | 6,984 |
| Retained earnings to average equity (ytd only) | -11.4341% | 6,911 |
| Net charge-offs to loans | 3.1368% | 515 |
| Credit loss provision to net charge-offs | 85.4688% | 5,610 |
| Earnings coverage of net charge-offs (x) | 0.3562% | 5,667 |
| Efficiency ratio | 78.7709% | 3,037 |
| Assets per employee ($millions) | 2.7125% | 6,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 4,350 |
| Loan loss allowance to noncurrent loans | 35.7570% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 5.7591% | 965 |
| Noncurrent loans to loans | 3.7066% | 2,009 |
| Net loans and leases to total assets | 70.3831% | 3,417 |
| Net loans and leases to deposits | 80.1175% | 4,360 |
| Net loans and leases to core deposits | 93.4970% | 5,072 |
| Total domestic deposits to total assets | 87.8499% | 1,723 |
| Equity capital to assets | 7.2785% | 7,438 |
| Core capital (leverage) ratio | 6.1964% | 7,762 |
| Tier 1 risk-based capital ratio | 8.3784% | 7,748 |
| Total risk-based capital ratio | 9.6239% | 7,767 |
| Memoranda: | ||
| Average total assets | $38,978,250 | 7,199 |
| Average earning assets | $35,174,250 | 7,199 |
| Average equity | $2,880,250 | 7,695 |
| Average total loans | $27,203,000 | 6,847 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2358% | 5,934 |
| Cost of funding earning assets | 2.2303% | 2,666 |
| Net interest margin | 3.0055% | 6,536 |
| Noninterest income to average assets | 0.8699% | 2,096 |
| Noninterest expense to average assets | 2.8439% | 4,763 |
| Loan and lease loss provision to assets | 2.7319% | 563 |
| Net operating income to assets | -1.5873% | 7,287 |
| Return on assets (ROA) | -1.5873% | 7,291 |
| Pretax return on assets | -1.9841% | 7,283 |
| Return on Equity (ROE) | -21.3772% | 7,543 |
| Retained earnings to average equity (ytd only) | -21.3772% | 7,498 |
| Net charge-offs to loans | 4.3756% | 302 |
| Credit loss provision to net charge-offs | 90.1007% | 4,921 |
| Earnings coverage of net charge-offs (x) | 0.2466% | 5,426 |
| Efficiency ratio | 79.1785% | 3,164 |
| Assets per employee ($millions) | 2.8066% | 6,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 3,398 |
| Loan loss allowance to noncurrent loans | 32.9698% | 6,263 |
| Noncurrent assets plus other real estate owned to assets | 5.4948% | 922 |
| Noncurrent loans to loans | 4.4393% | 1,456 |
| Net loans and leases to total assets | 67.3369% | 4,285 |
| Net loans and leases to deposits | 76.2522% | 5,132 |
| Net loans and leases to core deposits | 89.0572% | 5,627 |
| Total domestic deposits to total assets | 88.3081% | 1,622 |
| Equity capital to assets | 6.8665% | 7,678 |
| Core capital (leverage) ratio | 5.9563% | 7,933 |
| Tier 1 risk-based capital ratio | 8.3319% | 7,877 |
| Total risk-based capital ratio | 9.5834% | 7,903 |
| Memoranda: | ||
| Average total assets | $39,312,670 | 7,240 |
| Average earning assets | $35,601,000 | 7,238 |
| Average equity | $2,919,000 | 7,750 |
| Average total loans | $27,241,670 | 6,895 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2823% | 5,962 |
| Cost of funding earning assets | 2.2606% | 2,882 |
| Net interest margin | 3.0217% | 6,419 |
| Noninterest income to average assets | 0.3153% | 5,921 |
| Noninterest expense to average assets | 2.5125% | 5,793 |
| Loan and lease loss provision to assets | 0.1729% | 4,734 |
| Net operating income to assets | 0.2950% | 5,313 |
| Return on assets (ROA) | 0.2950% | 5,486 |
| Pretax return on assets | 0.3764% | 5,461 |
| Return on Equity (ROE) | 3.8290% | 5,012 |
| Retained earnings to average equity (ytd only) | 3.8290% | 3,759 |
| Net charge-offs to loans | 1.3996% | 1,017 |
| Credit loss provision to net charge-offs | 17.7083% | 5,099 |
| Earnings coverage of net charge-offs (x) | 0.5625% | 4,544 |
| Efficiency ratio | 82.0598% | 2,523 |
| Assets per employee ($millions) | 2.8642% | 6,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4265% | 3,360 |
| Loan loss allowance to noncurrent loans | 22.6061% | 7,036 |
| Noncurrent assets plus other real estate owned to assets | 6.2470% | 617 |
| Noncurrent loans to loans | 6.3102% | 722 |
| Net loans and leases to total assets | 64.2784% | 4,938 |
| Net loans and leases to deposits | 74.9884% | 5,344 |
| Net loans and leases to core deposits | 87.1808% | 5,822 |
| Total domestic deposits to total assets | 85.7178% | 2,861 |
| Equity capital to assets | 7.5837% | 7,279 |
| Core capital (leverage) ratio | 6.9561% | 7,662 |
| Tier 1 risk-based capital ratio | 9.5349% | 7,399 |
| Total risk-based capital ratio | 10.7853% | 7,339 |
| Memoranda: | ||
| Average total assets | $39,323,000 | 7,282 |
| Average earning assets | $35,742,000 | 7,270 |
| Average equity | $3,029,500 | 7,769 |
| Average total loans | $27,437,000 | 6,917 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7003% | 6,778 |
| Cost of funding earning assets | 2.8133% | 2,652 |
| Net interest margin | 2.8870% | 7,180 |
| Noninterest income to average assets | 0.8890% | 2,005 |
| Noninterest expense to average assets | 2.7195% | 5,175 |
| Loan and lease loss provision to assets | 2.2963% | 489 |
| Net operating income to assets | -1.2001% | 7,346 |
| Return on assets (ROA) | -1.1920% | 7,281 |
| Pretax return on assets | -1.4699% | 7,240 |
| Return on Equity (ROE) | -14.3902% | 7,558 |
| Retained earnings to average equity (ytd only) | -14.3902% | 7,419 |
| Net charge-offs to loans | 2.1737% | 480 |
| Credit loss provision to net charge-offs | 147.9032% | 3,571 |
| Earnings coverage of net charge-offs (x) | 0.5258% | 5,915 |
| Efficiency ratio | 76.9122% | 3,092 |
| Assets per employee ($millions) | 2.7534% | 6,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 2,349 |
| Loan loss allowance to noncurrent loans | 20.9259% | 7,194 |
| Noncurrent assets plus other real estate owned to assets | 5.7929% | 535 |
| Noncurrent loans to loans | 7.5193% | 378 |
| Net loans and leases to total assets | 73.3494% | 3,273 |
| Net loans and leases to deposits | 86.0595% | 4,108 |
| Net loans and leases to core deposits | 101.4605% | 4,671 |
| Total domestic deposits to total assets | 85.2310% | 2,737 |
| Equity capital to assets | 7.8294% | 7,062 |
| Core capital (leverage) ratio | 6.8553% | 7,795 |
| Tier 1 risk-based capital ratio | 9.1847% | 7,632 |
| Total risk-based capital ratio | 10.4372% | 7,587 |
| Memoranda: | ||
| Average total assets | $39,934,400 | 7,214 |
| Average earning assets | $36,612,200 | 7,205 |
| Average equity | $3,307,800 | 7,741 |
| Average total loans | $28,522,800 | 6,796 |